Daniel Wing is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 designations and 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wing has been affiliated with Wells Fargo bank since 2003. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than typical large institutional advisers.

David Mucha is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at First Republic Investment Management and UBS Financial Services. His current role is based in San Francisco, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Ivan Cen is a financial advisor with Cetera, holding a Series 66 designation and 16 years of industry experience. He has been associated with Cetera and Cetera Investment Services since 2013 and has also worked at Cathay Bank since 2019. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and financial planning services, operating a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Andrew Gall is a financial advisor with Morgan Stanley in Orinda, California, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016, following a 16-year tenure at UBS Financial Services. Outside of his advisory work, he is the sole proprietor of Catalina Peak Properties, LLC, a real estate business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and model-based outcome simulations to support its financial planning process.

Matthew Carter is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 credential and two years of industry experience. His background includes service in the United States Army from 2013 to 2019 and employment with the San Francisco Giants. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its financial planning process.

Charles Terrazas is a Senior Financial Advisor at Merrill Lynch Wealth Management and a senior member of the team Reilly, Terrazas, Krone and Associates. He has been with Bank of America since 1981, beginning his career as an Institutional Fixed Income Sales Representative and later joining the Ultra High Net Worth Sales Group in 2005. In his current role, he manages and advises key individual accounts and develops proprietary portfolio strategies for a diverse group of clients including Silicon Valley entrepreneurs, physicians, attorneys, entertainment and sports personalities, and multiple generations of successful families. Mr. Terrazas's expertise includes fixed income portfolio construction and management, institutional sales, and developing investment strategies in multi-currency fixed income markets. He started his career providing guidance to Foreign Central Banks and later worked in London with Credit Suisse First Boston. His experience also includes roles in institutional fixed income trading. He holds the Personal Investment Advisor designation and earned a Juris Doctor degree from Golden Gate University School of Law. He lives in Mill Valley with his wife, Camille, and has interests in baseball, golf, tennis, and spending time with his family.

Race Stowell serves as a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, specializing as a Retirement Benefits Consultant. He focuses on assisting plan sponsors in developing effective retirement plan strategies to meet participant retirement objectives. His client expertise includes divorce transition planning, institutional and corporate benefit services, and investment consulting for defined contribution plans. With over 30 years of experience in retirement plan advisory for corporations, Race holds multiple professional designations, including Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA®), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a graduate of the University of California system. Race’s approach emphasizes aligning wealth planning with clients’ personal priorities and goals, aiming to simplify the complexities of investing and provide transparent, customized plans. Outside of his professional work, his personal interests include dancing, hiking, music, reading, running, spending time with family, surfing, traveling, and writing.

Mike Worthington is a CFP® professional with 14 years of industry experience, currently serving as an advisor at J.P. Morgan Securities. He has been with the J.P. Morgan organization since 2014, holding positions at both J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

Roberta Mendoza is a financial advisor at Morgan Stanley with 17 years of industry experience. Her prior roles include positions at Cerity Partners LLC and Bingham, Osborn, & Scarborough, LLC, as well as a brief tenure with the San Francisco Unified School District. She holds Series 66, Series 63, and Series 65 credentials. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s process incorporates structured discovery and firm-approved tools, with portfolios guided by the Global Investment Committee’s secular return estimates and scenario modeling.

Janet Barnes is a financial advisor with Stifel in San Francisco, holding Series 63 and Series 66 designations and 23 years of industry experience. She has been with Stifel since 2012. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

De Hao Wang is a financial advisor with Merrill in San Francisco, CA, holding Series 66 and Series 63 licenses and having three years of industry experience. His work history includes roles at Bank of America, Wells Fargo, Citibank, Bank of the West, Chase, and Intertax Inc, as well as a five-year period at San Francisco State University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gregory Achard is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. His prior roles include positions at BNP Paribas and Bank of the West. Achard also serves as a relationship manager for BMO Bank NA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Kevin Schaefer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior work includes roles at Bank of America and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory to support its investment approach.

Lary Fukunaga is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA, where he has been employed since 1999. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jaclyn Andrews is a Series 66-licensed financial advisor with nine years of industry experience. She is currently with Morgan Stanley, where she has worked since 2016 across several affiliated entities, including Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Prior to joining Morgan Stanley, she worked at Wells Fargo Clearing Services, LLC and First Republic Investment Management, Inc. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools aimed at modeling financial outcomes without providing direct security recommendations as part of standalone plans.

Christina York is a financial advisor at Charles Schwab with 15 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Charles Schwab and Charles Schwab Bank in 2018, she worked at Neuberger Berman LLC for five years. She currently serves on the homeowners association board for her condominium building. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a wide range of investment guidance supported by centralized operational and custody infrastructure.

Michael Shih is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and has prior experience at Equitable Advisors, LLC. His background also includes roles outside finance, including work at Island Orthodontics and time spent at the University of California Davis. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party portfolio management teams.

George Ly is a financial advisor at RBC Capital Markets with 10 years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley, Patelco, and Chase Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored portfolio management strategies implemented through a combination of in-house and third-party investment managers.

Jennifer Tuttle is a Series 66-registered financial advisor with 17 years of industry experience, currently with Merrill in San Francisco. She has worked at Merrill since 2011 and holds a concurrent position at Bank of America. Outside of her advisory role, she serves as a non-voting member of the Finance Committee at the San Francisco Yacht Club, a 501(c)(7) social and recreational organization. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Echo Chen is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been with UBS Financial Services since 2016. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.